Rates Earn up to 4.00% APY*

Flash your card again. And again.

Once you start using your Arbor Financial debit card, you won’t want to stop. It’s simple, really. As you make more purchases, we pay higher returns on your checking account balance. With no monthly fees or minimum balance requirement, Momentum Checking is truly free and a force to be reckoned with.

Gain momentum by using your debit card and earn up to 4.00% APY with just three easy requirements:*

  1. Make at least $500 in direct deposits into your free Momentum Checking account each month
  2. Enroll in eStatements. At Arbor Financial, we believe in cutting down on paper use and saving trees
  3. Pick up the pace of your debit card use. Earn higher returns on balances up to $15,000
    • 10-19 monthly debit card purchases will earn 1.00% returns
    • 20-29 monthly debit card purchases will earn 2.00% APY*
    • 30 or more monthly debit card purchases will earn 4.00% APY*
Get Started

Need more incentive to move to free Momentum Checking? You also get free access to more than 37,000 ATMs throughout Michigan and across the nation, plus fee-free access to Online BankingMobile Banking, Web Bill Pay and more. It's easy to open your Momentum Checking account online or switch your account to become an Arbor Financial member.

*Annual Percentage Yield (APY) as of 7/1/2020. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.
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